{"id":211,"date":"2021-03-26T15:40:00","date_gmt":"2021-03-26T18:40:00","guid":{"rendered":"http:\/\/localhost\/ctthemes\/onevo\/?p=211"},"modified":"2021-07-24T12:12:06","modified_gmt":"2021-07-24T15:12:06","slug":"three-facts-consumers-should-know-about-the-fdcpa","status":"publish","type":"post","link":"https:\/\/abogados-maryland.com\/es\/three-facts-consumers-should-know-about-the-fdcpa\/","title":{"rendered":"Tres datos que los consumidores deben saber sobre la FDCPA"},"content":{"rendered":"

Tres datos que los consumidores deben saber sobre la FDCPA<\/span><\/h1>\n

La deuda es una parte normal de la vida de muchos residentes de Landover. Es posible que tengan deudas garantizadas, como las vinculadas a sus veh\u00edculos de motor o viviendas. Tambi\u00e9n pueden tener deudas no garantizadas, como las que contraen con sus tarjetas de cr\u00e9dito o facturas m\u00e9dicas. La deuda no siempre tiene que ser un problema si una persona puede mantenerse al tanto de sus pagos y reducir su capital seg\u00fan su plan de pago.<\/p>\n

Sin embargo, hay muchas razones por las que no es posible mantenerse a la vanguardia de la deuda. Desde empleos perdidos hasta condiciones econ\u00f3micas dif\u00edciles, muchos hombres y mujeres trabajadores luchan d\u00eda a d\u00eda para pagar sus pr\u00e9stamos y mantenerse financieramente solventes. Cuando no pueden mantenerse al d\u00eda, pueden verse aparentemente v\u00edctimas de las pr\u00e1cticas de cobro indebidas de los cobradores de deudas.<\/p>\n

Los consumidores est\u00e1n protegidos de t\u00e1cticas de cobranza indebidas e ilegales a trav\u00e9s del Ley de pr\u00e1cticas justas en el cobro de deudas<\/a> (FDCPA). Hay muchas formas en que FDCPA protege a las personas, pero esta publicaci\u00f3n destacar\u00e1 3 de sus inclusiones m\u00e1s importantes. Se invita a los lectores que tengan inquietudes y preguntas sobre las pr\u00e1cticas de cobro de deudas a las que han sido sometidos a ponerse en contacto con abogados expertos en alivio de deudas en sus comunidades para obtener apoyo.<\/p>\n

Hecho # 1: No puede ser amenazado ni acosado por sus deudas pendientes<\/h3>\n

Las agencias de cobranza y sus empleados no pueden participar en comportamientos de acoso o amenazantes cuando se comunican con personas sujetas a cobros de deudas. Las personas no pueden ser v\u00edctimas de la coacci\u00f3n o la fuerza ni ser obligadas a pagar porque temen por su seguridad. Cuando se producen estas formas de comunicaci\u00f3n il\u00edcitas, los deudores pueden invocar su derecho a un trato justo.<\/p>\n

Hecho n. \u00b0 2: las agencias de cobranza tienen un alcance limitado para comunicarse con usted<\/h3>\n

No est\u00e1 permitido que los cobradores se pongan en contacto con los deudores durante momentos inconvenientes. Por ejemplo, no pueden llamar o hacer contacto en las \u00faltimas horas de la noche o temprano en la ma\u00f1ana. Del mismo modo, no pueden contactar a los deudores cuando los deudores est\u00e1n trabajando si los deudores as\u00ed lo han indicado. Cuando un deudor est\u00e1 representado por un abogado, los agentes de cobranza deben comunicarse a trav\u00e9s del representante legal del deudor.<\/p>\n

Hecho # 3: Las agencias de cobranza no pueden mentirle sobre qui\u00e9nes son<\/h3>\n

As\u00ed como los agentes de cobranza no pueden amenazar ni acosar a las personas, tampoco pueden tergiversar qui\u00e9nes son o mentir sobre sus posiciones. Los deudores individuales deben recibir informaci\u00f3n honesta cuando se realizan las comunicaciones apropiadas.<\/p>\n

Hay muchas formas en que la ley protege a los deudores de acreedores sin escr\u00fapulos y sus agentes de cobranza. Un abogado puede apoyar y asesorar a su cliente sobre la mejor manera de lidiar con los problemas de los acreedores. Esta publicaci\u00f3n proporciona solo informaci\u00f3n y no debe interpretarse como un consejo legal.<\/p>","protected":false},"excerpt":{"rendered":"

La deuda es una parte normal de la vida de muchos residentes de Landover. Es posible que tengan deudas garantizadas, como las vinculadas a sus veh\u00edculos de motor o viviendas.<\/p>","protected":false},"author":1,"featured_media":2723,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[59],"class_list":["post-211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-fdcpa"],"yoast_head":"\nThree facts consumers should know about the FDCPA - Abogados Maryland<\/title>\n<meta name=\"description\" content=\"Three facts consumers should know about the FDCPA. 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